Win a dream home in the sun

While banks and other lenders have tightened up on their lending criteria, the credit crunch has actually opened a door to owning property - without needing a mortgage or other loan.

While falling interest rates will never cut mortgage costs to zero, here's a programme that could leave home seekers mortgage-free... within the next few months.

If you or your partner are keen golfers, wouldn't it be great to own a spacious, front line golf home in the sun? Better still if it only cost you 25 pounds? Here it is...

This release discusses today's launch of a competition to win a luxury golf home in Andalucia, Spain. The property comes mortgage-free and with all conveyancing and property transfers costs taken care of.